Exhibit 23.1

               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

We consent to the incorporation by reference of our report dated May 22, 2003,
with respect to the consolidated financial statements of F.N.B. Corporation and
subsidiaries included in this Annual Report (Form 10-K/A) for the year ended
December 31, 2002 in the following Registration Statements and in the related
Prospectuses:

1.   Registration Statement on Form S-8 relating to F.N.B. Corporation 1990
     Stock Option Plan (File #33-78114).

2.   Registration Statement on Form S-8 relating to F.N.B. Corporation
     Restricted Stock Bonus Plan (File #33-78134).

3.   Registration Statement on Form S-8 relating to F.N.B. Corporation 1996
     Stock Option Plan (File #333-03489).

4.   Registration Statement on Form S-8 relating to F.N.B. Corporation
     Restricted Stock and Incentive Bonus Plan (File #333-03493).

5.   Registration Statement on Form S-8 relating to F.N.B. Corporation Directors
     Compensation Plan (File #333-03495).

6.   Registration Statement on Form S-8 relating to F.N.B. Corporation 401(k)
     Plan (File #333-38372).

7.   Post-Effective Amendment No. 1 on Form S-8 to Registration Statement on
     Form S-4 (File #333-01997).

8.   Post-Effective Amendment No. 1 on Form S-8 to Registration Statement on
     Form S-4 (File #333-22909).

9.   Registration Statement on Form S-3 relating to F.N.B. Corporation
     Subordinated Notes and Daily Cash Accounts (File #333-74737).

10.  Registration Statement on Form S-8 relating to stock options assumed in the
     acquisition of Mercantile Bank of Southwest Florida (File #333-42333).

11.  Post-Effective Amendment No. 1 on Form S-8 to Registration Statement on
     Form S-4 (File #333-58727).




12.  Registration Statement on Form S-3 relating to stock warrants assumed in
     the acquisitions of Southwest Banks, Inc. and West Coast Bancorp, Inc.
     (File #333-31124).

13.  Post Effective Amendment No. 1 to Form S-3 relating to the F.N.B.
     Corporation Dividend Reinvestment and Direct Stock Purchase Plan (File
     #333-38374).

14.  Amendment No. 1 to Form S-3 relating to the registration of F.N.B.
     Corporation Subordinated Term Notes and Daily Notes (File #333-38370).

15.  Registration Statement on Form S-8 relating to the F.N.B. Corporation
     Salary Savings Plan (File #333-40648).

16.  Registration Statement on Form S-8 relating to the F.N.B. Corporation 1998
     Directors Stock Option Plan (File #333-38376).

17.  Registration Statement on Form S-8 relating to the F.N.B. Corporation 2001
     Incentive Plan (File #333-63042).

18.  Registration Statement on Form S-3 relating to the registration of F.N.B.
     Corporation and FNB Capital Trust I common stock, preferred stock, debt
     securities, warrants, and trust preferred securities (File #333-74866).

19.  Registration Statement on Form S-8 relating to the F.N.B. Corporation 1996
     Incentive Plan (File #333-83760).

20.  Registration Statement on Form S-8 relating to stock option agreements
     granted under the Promistar Financial Corporation 1998 Equity Incentive
     Plan and assumed by F.N.B. Corporation (File #333-83756).

21.  Registration Statement on Form S-8 relating to the F.N.B. Corporation
     401(k) Plan (File #333-97113).

22.  Registration Statement on Form S-8 relating to the Roger Bouchard
     Insurance, Inc. 401(k) Plan (File #333-97115).

23.  Registration Statement on Form S-3 relating to the F.N.B. Corporation
     Dividend Reinvestment and Direct Stock Purchase Plan (File 333-97111).


                                                /s/ Ernst & Young LLP

Birmingham, Alabama
May 22, 2003